Prescribed Minimum Benefits
All Medical Aids fall under the Medical Scheme Act 131 of 1998, which legislates that a list of 270 Prescribed Minimum Benefits (PMBs) must be covered in full, however, this is subject to terms and conditions. So, why
The consequences of using a non-DSP
In an effort to ensure quality service in the face of medical inflation, many Medical Aid Schemes have implemented networks of Designated Service Providers (DSPs). This helps control costs and means Medical Aids can offer discounted plans that
Has The Gap Grown
Over the past few years, medical inflation has outstripped the inflation of Medical Aid premiums, resulting in year on year increases in medical expenses shortfalls and co-payments. Gap Cover providers are now paying out more than medical aids
Gap Cover and Travel Insurance is a must during holiday seasons
2019s Easter season has come and gone with countless families having made their way to local accommodation across the country and many others having gone overseas. During holiday seasons, we see an increase in car accidents and this
Can you afford not to have Gap Cover?
Medical inflation is currently in excess of 10%, while medical aids increased their premiums by approximately 9% in 2019. Contrary to this, the average person’s salary increased by about 3% according to CareerJunction’s 2018 Salary Review. The upshot
Making the most of your Gap Cover in 2019
Medical aids all have a ‘medical aid rate’, which is a maximum amount they will pay for certain treatments. This rate differs depending on the medical cover you have, but is typically a maximum of 200% of their
The role of Gap Cover in women’s healthcare
Gap Cover is increasingly being recognised as a vital means of bridging the gap between what specialists charge for in-hospital procedures, and what Medical Aids are able to pay. But it’s worth noting that for women in particular,
Don’t start the New Year in debt
The silly season is upon us, and accidents are bound to happen. Are you protected from unforeseen medical expense shortfalls? December is a time for relaxing, spending time with family and friends and generally enjoying the festivities of
SA’s crime reality and the link to Gap Cover
South Africa is regarded as one of the world’s most beautiful countries, and in general, we’re a happy, hopeful nation. But within our magnificent blue skies there’s a dark cloud that we must certainly acknowledge: the looming issue
Fighting Cancer – Your Top 9 Weapons
Across the world, cancer rates are rising, and South Africa is certainly no exception. In fact, stats show that at least 25% of South Africans will either be diagnosed with cancer, or will have to witness a loved